Job Summary
We are seeking a seasoned credit risk professional to join our team in an exciting opportunity. Our ideal candidate will possess extensive knowledge of our risk assessment and portfolio risk management framework, which they will utilize to support Account Managers with credit reviews, ongoing risk monitoring, and client creditworthiness.
They will assess our risk appetite against market and economic conditions across various markets and asset classes, identifying opportunities to mitigate risk and drive growth.
About our Banking and Coverage team
Our Banking and Coverage team is responsible for the global management and development of our Client Relationships. We work closely with product partners across our global network to deliver working capital, financing, trade, cash, and market solutions for our clients.
These solutions encompass a range of products and services, from sustainable trade finance to credit derivatives, as well as mergers and acquisitions advisory.
About Corporate & Investment Banking (CIB)
Our CIB division has supported clients with their transaction banking, financial markets, corporate finance, and borrowing needs. We provide solutions to nearly 20,000 clients in the world's fastest-growing economies and most active trade corridors.
Key Responsibilities
* Lead FI/BBD credit reviews, analyse and monitor client credit risk to ensure creditworthiness.
* Provide insightful, succinct and timely client portfolio credit analysis.
* Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events.
* Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination, and monitoring relevant matters.
* Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants.
* Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers, and Product teams with product solutioning and recommendations.
* Provide credit analysis considering market dynamics and client industry, including:
* Industry risks and client competitive positioning within the industry.
* Client funding strategy, financial policies, treasury activities, including hedging, and cash management.
* Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow, and profitability vulnerability.
* Reputational risk profile, including climate and sustainability risks.
Skills and Experience
* Familiarity with assessing the credit risk of financial institutions, preferably banks, hedge funds, asset managers, and PSDOs.
* Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.
* Risk management lifecycle.
* Financial forecasting and modelling.
* Financial and quantitative skills.
* Client due diligence.
* Using client behaviours and preferences to evolve products and services.
* Product knowledge for Markets, Transaction Banking, and Corporate Finance.
* Knowledge of the financial services' regulatory environment.
* Data analysis and visualisation.
* Ability to work under pressure, in a dynamic environment.
About Standard Chartered
Standard Chartered is an international bank that prioritises impact alongside innovation. For over 170 years, we've worked tirelessly to make a positive difference for our clients, communities, and each other.
We challenge the status quo, value diversity, and strive for excellence in everything we do. If you're looking for a career that makes a meaningful contribution, we want to hear from you.
Our purpose is to drive commerce and prosperity through unique diversity, while our brand promise is to be here for good. We live our valued behaviours every day, celebrating individuality and advocating inclusion.
We're committed to building a diverse and inclusive workplace that reflects the communities we serve. We welcome applications from candidates who share our values and want to make a difference.
What We Offer
A competitive salary and benefits package, plus opportunities for professional growth and development.
Our benefits package includes core bank funding for retirement savings, medical and life insurance, flexible and voluntary benefits available in some locations, time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, combined to 30 days minimum.
We also offer flexible working options based around home and office locations, with flexible working patterns, proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, a global Employee Assistance Programme, sick leave, mental health first-aiders, and self-help toolkits, being part of an inclusive and values-driven organisation where everyone feels respected and can realise their full potential.